Terms of Use

kvikuloan.ph is an application front-end: a landing page, an application wizard, and an attribution layer published on behalf of Kviku Lending Co., INC. as the lender of record. Virix Labs operates the Site as a disclosed Marketing and Technology Service Provider. Virix does not lend money, decide who gets a loan, set the price of any loan, disburse funds, or collect debt. Those activities are performed solely by Kviku.

By using this Site, you acknowledge that the binding loan contract — if you are approved — is issued by Kviku and is governed by Kviku’s loan agreement and Kviku’s Terms and Conditions and Kviku’s Privacy Policy, which you will be asked to review and agree to as part of Kviku’s on-platform signing process.

To use the application form on this Site, you must:

• Be a Filipino citizen or a foreign resident with the right to take credit in the Philippines.
• Be at least 21 years old.
• Hold a valid government-issued ID, a working mobile phone, and an active GCash or bank account in your own name.
• Be applying for yourself — not on behalf of another person.
• Provide accurate, complete, and current information.

Misrepresentation may result in denial of the application, termination of the loan if one has been issued, and reporting to credit bureaus and law-enforcement authorities where warranted.

1. You complete the application wizard on this Site.
2. When you press Apply Now, your data is transmitted to Kviku via secure API for credit scoring.
3. Kviku makes the credit decision. Virix has no role in this decision.
4. If approved, you are redirected to Kviku’s on-platform signing flow, where you review and sign the binding loan agreement directly with Kviku.
5. Disbursement, repayment, and any collection activity are conducted by Kviku.

No loan exists until Kviku has approved the application and you have signed the loan agreement on Kviku’s platform. Display of an indicative offer on this Site does not constitute a binding offer of credit.

All effective interest rates, fees, and the Annual Percentage Rate (APR) of any approved loan are set and disclosed by Kviku in compliance with BSP MC 1133 s.2021 and SEC MC 3 s.2022. The amounts shown in the loan calculator on this Site are illustrative; the binding figures are those in the Kviku loan agreement you sign at the end of the flow. The full fee breakdown is published at /our-fees.

You agree not to:

• Submit false, misleading, or fraudulent information.
• Use any robot, scraper, or other automated means to access the Site, except for public search-engine crawling.
• Attempt to reverse-engineer, decompile, or otherwise extract proprietary mechanisms.
• Interfere with the Site’s operation (denial of service, brute-force, credential stuffing, vulnerability exploitation).
• Use the Site to send spam, phishing, or facilitate unlawful activity.
• Use the Site if you are sanctioned or otherwise prohibited from doing so by Philippine law or applicable international sanctions.

The Site is provided on an “as is” and “as available” basis. While reasonable care is taken to keep the Site accurate, complete, and operational, no warranty is given that the Site will be uninterrupted, error-free, or that any information displayed will reflect the latest changes to Kviku’s product, pricing, or regulatory disclosures. Where any conflict arises between content on this Site and Kviku’s official loan documents at the moment of signing, Kviku’s loan documents prevail.

To the maximum extent permitted by law, the operator of this Site is not liable for indirect, incidental, consequential, special, or punitive damages arising from your use of the Site, including loss of profit, loss of data, or loss of opportunity. Nothing in these Terms limits or excludes liability that cannot be limited or excluded under Philippine law, including liability for death or personal injury caused by negligence, or for fraud. Liability for the loan itself, its terms, and its servicing rests with Kviku under the loan agreement.

For complaints about a loan (collection conduct, billing, disbursement), contact Kviku at complaints@kviku.ph and follow the procedure at /complaint-resolution. Escalation paths to the SEC, BSP, and DTI are listed there.

For complaints about the Site itself (technical issues, marketing claims, data handling on the pre-submission side), contact support@virixlabs.com or the DPO at dpo@virixlabs.com.

These Terms are governed by the laws of the Republic of the Philippines, without regard to conflict-of-laws principles. Any dispute arising from your use of this Site shall be brought before the proper courts of the Philippines, save where Philippine law mandates a different forum (for instance, NPC for data-privacy disputes or SEC for lender conduct). Nothing in this section deprives you of any statutory consumer protection that cannot be waived by agreement.

These Terms may be updated from time to time. Material changes will be highlighted at the top of this page. The “last updated” date always reflects the current version. Continued use of the Site after publication of an updated version constitutes acceptance of the change.